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The many difficult perils that face pre-retirement life

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Question: I will be retiring in a few short years and I have some significant concerns. I will have to depend on income from my portfolio, but I am scared witless that another bear market will come along and wipe me out. How do people handle this — I’m pulling what’s left of my hair out.
 
Answer: Call it the “awkward age of pre-retirement.” Too old to get crazy with your investments. Too young to pull all your chips off the table.

Consider Ralph, who thought that if he ever had $1 million, he’d be rich beyond his wildest dreams. Now Ralph stands at the starting line of retirement and ponders his situation.

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